Lots of options. The easiest thing to do is visit the company’s website. Depending on which credit bureau is reporting the information, you may need to go to more than one. You can pull the report from the web and dispute each individual thing. You can call the bureaus, but I wouldn’t recommend that since it can be quite a hassle getting to someone and chances are they’ll tell you to do it online. You will also need to put a flag on your credit via the website so that it knows you were a victim of identity theft.

You can also call the creditors who are reporting as you having an account with them and you don’t. They’ll take down the information and adjust the history, make sure you tell them you need them to communicate with the credit bureaus.

It does take a while to get it all corrected, so keep at it and once everything’s been updating correctly with all three major credit bureaus, you’ll have your score back.

THE THREE REPOSITORIES TO DISPUTE ARE; EQUIFAX, TRANSUNION AND EXPERIAN. THEY ARE SLOW, BUT UNDER THE FCRA(FAIR CREDIT REPORTING ACT) THEY MUST INVESTIGATE ANY DISPUTE YOU HAVE. IT CAN TAKE FROM 30 DAYS TO 90 DAYS. IF YOU WISH, CONTACT ME AND I CAN HANDLE YOUR DISPUTE WITHIN 10 BUSINESS DAYS AFTER I RECEIVE YOUR DOCUMENTATION. BEST REGARDS, EDWIN G. SMITH,[email protected]

First, pull all three credit reports from the three major credit reporting agencies. After you receive these reports, contact each credit reporting agency that has a negative rating due to identity fraud and send them a police report accompanied with a letter or affidavit explaining that you were a victim of an identity fraud. I would also suggest sending a police report with a letter or affidavit to the companies or businesses listed in the credit report(s) that were caused by the identity theft/fraud. Most companies or businesses will remove the negative account from your file after an investigation of identity fraud, especially if Law Enforcement has arrested an individual.

By law, all falsehoods must be removed from a person’s credit history and this includes identity theft/fraud.

If this does not solve the situation, you may have to seek the advice of an attorney with knowledge in these matters.

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